I am just trying to say that if someone uses the tax break to pay off a portion of debt or to pay for bills and not have to get a payday loan, it doesn't have t

I am just trying to say that if someone uses the tax break to pay off a portion of debt or to pay for bills and not have to get a payday loan, it doesn't have the same immediate effect as if they go and buy a dishwasher. Yes, they end up paying less interest on their debt over long run, which gives them more money to spend (or save). But these gains are realized in there being less interest in the monthly debt payments, and I think in this case the gains are more likely to be saved rather than pooled to make a large purchase.